Systems and methods for inferred review

ABSTRACT

Systems and methods are provided for generating inferred reviews of service providers based on user behavior data for one or more users. The user behavior data used to generate the inferred reviews information representing a number of visits to the service provider. Additional or alternative user behavior data that may be used includes information that represents how far a user travels to a service provider, how many similar service providers the user passes on the way to the service provider, a typical time for services at the service provider, or a length of time the user has been a customer or attendees of the service provider. A service provider may include a merchant, a hotel, a physician, a contractor, another service provider that provides goods or services for a cost or may include non-profit service providers, charity-based service providers or public locations such s parks, rest stops, or other locations.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application entitled “Systems and Methods for Inferred Review” is acontinuation of U.S. application Ser. No. 14/584,971, filed Dec. 29,2014, the entirety of which is incorporated herein by reference.

TECHNICAL FIELD

The present invention generally relates to networked systems and, moreparticularly, to systems and methods for extracting opinion informationfrom network users' behavioral data.

BACKGROUND

It has become common for prospective customers of a business who arealso users of a network such as the Internet to access online reviews ofthe business prior to use. The online reviews are typically posted byprevious customers who are either exceedingly happy or exceedinglyunhappy with the business. However, online reviews can be misleadingand/or biased. It can be inconvenient for a typical customer to writeand post a review of a particular business. For this reason, it is oftencustomers with the most extreme positive or negative opinions that takethe time to write and post the review. It would therefore be desirableto be able to provide improved networked systems and associated methodsfor rating service providers.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1A is a block diagram of an illustrative networked systemconfigured to extract opinion information from user behavior data,according to an embodiment.

FIG. 1B is an illustrative flow diagram showing how inferred reviews maybe generated from user behavior data, according to an embodiment.

FIG. 2 is a diagram of an illustrative services recommendation webpageor application, according to an embodiment.

FIG. 3 is a block diagram showing illustrative distances between serviceproviders and a user location that may be used to extract user opiniondata from behavior data of a user, according to an embodiment.

FIG. 4 is a flowchart of an exemplary process for generating andproviding service provider recommendations based on user behavior,according to an embodiment.

FIG. 5 is a flowchart of an exemplary process for providing serviceprovider recommendations based on user attributes, according to anembodiment.

FIG. 6 is a block diagram of a computer system suitable for implementingone or more components in FIGS. 1A and/or 1B, according to anembodiment.

Embodiments of the present disclosure and their advantages are bestunderstood by referring to the detailed description that follows. Itshould be appreciated that like reference numerals are used to identifylike elements illustrated in one or more of the figures, whereinshowings therein are for purposes of illustrating embodiments of thepresent disclosure and not for purposes of limiting the same.

DETAILED DESCRIPTION

Systems and methods are provided for generating inferred reviews ofservice providers such as merchants, medical providers, or other serviceproviders. The inferred reviews may be generated based on user behaviorsuch as whether a user is a repeat customer of a merchant, the distancethe user travels from home or work to get to a particular doctor'soffice, the length of time a user has been a loyal customer of arestaurant, or whether the user passes by similar service providersalong the way to a particular service provider (as examples).

The user behavior may be determined based on location history data forthe user based on the known location of the user's smart phone or otherportable electronic device. However, this is merely illustrative. Insome embodiments, the user behavior may be determined based on purchasesmade by the user. For example, if the user makes payments with aparticular payment provider, that payment provider may be able todetermine when and how often that user visits a particular merchant orother merchants with similar goods and/or services.

Consumers often want to understand the best place to go for a particulargood or service. The systems and methods disclosed herein may helpprovide, for example, a new user who has moved into an area or who isunfamiliar with their area an understanding of how loyal customers areto a specific businesses in the area and get the benefit of, forexample, “going where the locals go”. The systems and methods describedherein may also help businesses understand how loyal customers are totheir business, and how that business compares with other, similarcompeting businesses. Businesses can use this customer loyalty insightto make improvements and offer a better overall customer experience.

The system may detect, for example, a user at a particular merchant forthe first time. Subsequently, the system may determine that that user isnot going to a competing vendor/business for the same service, and thusdetermine a business has a point of loyalty. For example, a new patientat a dentist office that returns for additional services at that dentistoffice may be determined to have approved of the services of thatoffice. Based on additional data, such as the time spent waiting forservices, price information, insurers accepted information or otherinformation about the dentist or the users, it may be determined thatthe user primarily approves of that dentist based on the level ofservices, low prices, low prices for uninsured patients, etc.

In another example, if a user that has many choices for a particulargood or service, especially when there are choices more convenient orless expensive for the user, is determined to typically only visit aselect few businesses for that good or service, then the user may bedetermined to be loyal to those few businesses. However, the user may bedetermined to be loyal at a level of loyalty that is less than that of auser that only visits one of those select few businesses.

Other aspects of a user's behavior may also be tracked and used todetermine inferred reviews of service providers that can be provided toother users. For example, a user's purchase history, email accounts,and/or social media accounts may be scraped to determine particulargoods (e.g., baked goods), merchants, spending amounts, or purchasehabit information of a particular user. For example, it may bedetermined that a user buys groceries at a particular grocery store eachweek, but on the same day, purchases baked goods at a bakery. This maybe determined to be an endorsement of the bakery, particularly if thegrocery store also has a bakery and/or other bakeries are closer to thegrocery store that the bakery to which the user goes.

A system can then build inferred reviews of businesses such that userswho are looking for a new dentist, grocery store, etc. can have somelevel of confidence and more insight into how loyal customers are tothat business/vendor, whether or not those customers have posted areview.

Based on, for example, payment provider transaction data, public recordsof businesses, merchant store data (e.g., from a payment provider orfrom the merchant), and/or other user or merchant information, a systemsuch as a payment provider system can build a database with scoresand/or rankings of various types of businesses around each user. If aparticular user goes to the business closest to their home or work, forexample, no point of loyalty may be rewarded. However, if that user goesout of their way to a specific grocery store, dentist, doctor, etc. thatmay be determined to be a very strong indicator of loyalty and, forexample, one or more loyalty points may be determined for that business.Businesses or merchants may have different loyalty points or scores fordifferent types of consumers. For example, younger consumers may favorstore A, while older consumers may favor store B, even though bothstores sell the same type of merchandise or provide similar services.Other traits of users include economic status, buying habits, gender,home location, type of interest, etc. For example, a novice wine drinkermay prefer wine merchant A, while a “wine geek” may favor wine merchantB.

A user location such as a home location or work location (e.g., asdetermined by global position system (GPS) signals from the user devicethat indicate where the user spends most of their time at night andduring the day or as determined based on other sources of userinformation) may be compared with the locations to which the user goesfor products and services. Loyalty points may be determined and added toa score for a business proportionally (for example) to the distancetravelled.

Various locations provide equipment for communications with a userdevice of a user at the location. The equipment may include wirelesscommunications equipment such as short range wireless communicationsequipment or other wireless communications equipment. The equipment maysometimes be referred to as beacon equipment or beacons. Wirelesscommunications equipment that may be included in a beacon at a locationmay include Bluetooth Low Energy (BLE) beacon communications equipment,wireless local area network equipment (e.g., WiFi based equipment),cellular network equipment, global positioning system (GPS) equipment,combined cellular and GPS equipment, other radio or microwave basedcommunications equipment, infrared communications equipment, and/or anycombination thereof. Beacon communications may be used alone or incombination with other sources of user information such as purchasetransaction information, GPS information from the user's device, emailscrape or social media scrape information, etc. to determine how andwhere a user purchases services and goods and which type of services andgoods are purchased.

FIG. 1A is a block diagram of a networked system 100 configured forextracting user opinion information from user behavior information togenerate and provide inferred reviews, according to an embodiment. Asshown, system 100 may comprise or implement a plurality of devices,servers, and/or software components that operate to perform variousmethodologies in accordance with the described embodiments. Exemplarydevice and servers may include device, stand-alone, and enterprise-classservers, operating an OS such as a MICROSOFT® OS, a UNIX® OS, a LINUX®OS, or other suitable device and/or server based OS. It can beappreciated that the devices and/or servers illustrated in FIG. 1A maybe deployed in other ways and that the operations performed and/or theservices provided by such devices and/or servers may be combined orseparated for a given embodiment and may be performed by a greaternumber or fewer number of devices and/or servers. One or more devicesand/or servers may be operated and/or maintained by the same ordifferent entities.

System 100 may include one or more users such as user 102, each having auser device 110, a service location 130, a service provider server 140,and a payment provider server 160 in communication over a network 170.In some embodiments, each user 102 (e.g., a visitor to a servicelocation such as a hotel guest), may utilize their corresponding userdevice 110 to check-in to service provider server 140. Service location130 may correspond to a hotel, a motel, a resort, a campground, or otherlocation that provides guest accommodations, a merchant that providesgoods and/or services, a doctor's office, a hospital, a dentist'soffice, a clinic or other medical services provider or any other entitythat provides goods and/or services at a particular location. Servicelocation 130 may also correspond to a location that is unconnected withpaid services such as a public park, a public beach, or other location.Service provider server 140 may correspond to a general server formultiple service locations (e.g. a server for a merchant chain) or maybe specific to only service location 130 (e.g. a server for a particularmerchant).

User device 110 may be used to track the location of user 102. Forexample, GPS circuitry or wireless communications circuitry of userdevice 110 may track the user's location and/or payments, emails, socialmedia posts or other communications that are made at a particularlocation or about a particular location may be used to determine thatthe user has visited that location. In some situations, users 102 maycheck-in at a particular location with user device 110 through a beacon132 (e.g., a wireless beacon) at service location 130, through a socialmedia application or website or by other check-in equipment.

User device 110, service location 130, service provider server 140,and/or payment provider server 160 may each include one or moreprocessors, memories, and other appropriate components for executinginstructions such as program code and/or data stored on one or morecomputer readable mediums to implement the various modules, engines,applications, data, and steps described herein. For example, suchinstructions may be stored in one or more computer readable media suchas memories or data storage devices internal and/or external to variouscomponents of system 100, and/or accessible over network 170.

User device 110 may be implemented using any appropriate hardware andsoftware such as hardware and software configured for wired and/orwireless communication with, network 170, beacon 132, service providerserver 140, payment provider server 160 and/or other network connecteddevices and/or servers. For example, in one embodiment, user device 110may be implemented as a personal computer (PC), a smart phone, personaldigital assistant (PDA), laptop computer, wristwatch with appropriatecomputer hardware resources, eyeglasses with appropriate computerhardware (e.g. GOOGLE GLASS®) and/or other types of computing devicescapable of transmitting and/or receiving data, such as an IPAD® fromAPPLE®. The user device may be managed or controlled by any suitableprocessing device.

As shown in FIG. 1A, user device 110 may contain a check-in application112, a service application 120, other applications 114, a database 116,and a communication module 118. Check-in application 112, serviceapplication 120, and other applications 114 may correspond to processes,procedures, and/or applications executable by a hardware processor, forexample, a software program. In other embodiments, user device 110 mayinclude additional or different software or hardware modules and/orengines as required.

In some embodiments, check-in application 112 may be used by the user102 of user device 110 to establish a connection between user device 110and service provider server 140 and/or payment provider server 160.Check-in application 112 may correspond to a specific applicationutilized by user device 110 with service provider server 140 and/orpayment provider server 160 to complete a check-in with service providerserver 140 and/or payment provider server 160. The check-in with serviceprovider server 140 may correspond to a process to log in to a: useraccount of user 102 with service provider server 140 and/or paymentprovider server 160. In other embodiments, the check-in may provideand/or verify an identity of user 102, including transmission of anidentifier for user 102 and/or user device 110. The check-in may becompleted over network 170. In such embodiments, check-in application112 may correspond more generally to a browser application configured tocommunicate with service provider server 140.

Check-in application 112 may also correspond to an application availableover the Internet for download from service provider server 140 and/orother server corresponding to service location 130. Check-in application112 may utilize communications module 118 to exchange short rangewireless communications with beacon 132 at service location 130 tocomplete a check-in process. For example, service location 130 mayinclude infrastructure with beacon 132 to communicate with user device110 and complete the check-in process with service provider server 140.Beacon 132 may be configured to transmit an identifier for reception byuser device 110.

Check-in application 112 may execute in the background of an operatingsystem of user device 110 and be configured to establish connections,using communication module 118 of that user device 110, with one or morebeacons 132 (e.g., wireless beacons) at service location 130. Theconnection may be established with or without user input from user 102.For example, beacon 132 may broadcast a token, such as a universallyunique identifier (UUID), for reception by check-in application 112.Check-in application 112 may utilize communication module 118 of theuser device 110 to receive the token from beacon 132. If check-inapplication 112 acknowledges the UUID as identifying service location130, beacon 132, service provider server 140 and/or payment providerserver 160, check-in application 112 may transmit an identifiercorresponding to a user 102 and/or a user device 110 back to beacon 132.Check-in application 112 may utilize communication module 118 tocommunicate with beacon 132 (e.g., over near field communication,Bluetooth, Bluetooth Low Energy, radio, infrared, WiFi, cellular, GPS,combined cellular and GPS, microwave, a combination thereof, or otherconnection). The identifier from user device 110 may include, betransmitted with, concatenated with, or otherwise bundled with theidentifier received from beacon 132.

Service application 120 may be used, for example, to provide aconvenient interface to permit user 102 to receive, request, and/or viewinformation, products and/or services. Service application 120 maycorrespond to an application specific to service location 130 and/orservice provider server 140, such as an application downloadable overnetwork 170 and/or through beacon 132. However, in other embodiments,service application 120 may correspond more generally to any applicationconfigured to receive information, targeted assistance, status updates,incentive offers, product offers, and/or service offers, including abrowser application.

In various embodiments, check-in application 112 and service application120 may be incorporated in the same application so as to provide theirrespective features in one convenient application interface.

User device 110 may include other applications 114 as may be desired inparticular embodiments to provide features to user device 110. Forexample, other applications 114 may include security applications forimplementing client-side security features, programmatic clientapplications for interfacing with appropriate application programminginterfaces (APIs) over network 170, or other types of applications.Other applications 114 may also include email, texting, voice and IMapplications that allow a user to send and receive emails, calls, texts,and other notifications through network 170. In various embodiments,other applications 114 may include financial applications, such asbanking, online payments, money transfer, or other applications. Otherapplications 114 may include browser and/or mapping applications wherethe functions are not provided by check-in application 112 and/orservice application 120. Other applications 114 may contain softwareprograms, executable by a processor, including a graphical userinterface (GUI) configured to provide an interface to the user.

User device 110 may further include memory such as database 116 whichmay include, for example, identifiers such as operating system registryentries, cookies associated with check-in application 112, serviceapplication 120, and/or other applications 114, identifiers associatedwith hardware of user device 110, or other appropriate identifiers, suchas identifiers used for payment/user/device authentication oridentification. Database 116 may include user device tokens and/orencryption keys, including a public key of service location 130 and/orservice provider server 140 for beacon 132. Database 116 may includeidentifying information for tokens enabling check-in application 112 toidentify beacon 132 when receiving a corresponding token. In oneembodiment, identifiers in database 116 may be used to associate userdevice 110 with a particular account maintained by the account provider.Database 116 may further include online account access informationand/or shopping list information.

Each user device 110 may include a communication module 118 adapted tocommunicate with beacon 132, service provider server 140, and/or paymentprovider server 160. In various embodiments, communication module 118may include a DSL (e.g., Digital Subscriber Line) modem, a PSTN (PublicSwitched Telephone Network) modem, an Ethernet device, a broadbanddevice, a satellite device and/or various other types of wired and/orwireless network communication devices including microwave, radiofrequency, infrared, Bluetooth, BLE, WiFi, cellular, GPS, combinedcellular and GPS, microwave, near field communication devices, and/or acombination thereof. Communication module 118 may communicate directlywith beacon 132 without network 170 using short range wirelesscommunications.

Service location 130 may include a plurality of locations within servicelocation 130 such as sections of a store (e.g., a bakery section). Insome embodiments, each location may include a beacon such as a wirelessbeacon. However, this is merely illustrative. In some embodiments, otherfunctions of user device 110 or other information sources may be used todetermine the location or a sub-location within a location of user 102.

In various embodiments, service location 130 includes at least onecommunication module 134 adapted to communicate with user devices 110,service provider server 140, and/or payment provider server 160.Communication module 134 may include a DSL (e.g., Digital SubscriberLine) modem, a PSTN (Public Switched Telephone Network) modem, anEthernet device, a broadband device, a satellite device and/or variousother types of wired and/or wireless network communication devicesincluding microwave, radio frequency, infrared, Bluetooth, BLE,cellular, GPS, combined cellular and GPS, microwave, near fieldcommunication devices, and/or any combination thereof. Communicationmodule 134 may communicate directly with user device 110 without network170 using short range wireless communications.

Service provider server 140 may be maintained, for example, by a servicelocation including one or a plurality of service locations. Generally,service provider server 140 may be maintained by anyone or any entitythat establishes and/or maintains a location with services,accommodations, and/or products offered to users. In this regard,service provider server 140 may include one or more hardware or softwareapplications, modules, or engines which may be configured to interactwith user devices 110 and/or service location 130 to complete check-inprocesses for user devices 110. Although only one service providerserver is shown, a plurality of service provider servers may beutilized. In various embodiments, the check-in and assistance featuresof service provider server 140 may also be offered by payment providerserver 160. Thus, all or part of the described features and processes ofservice provider server 140 may be incorporated within payment providerserver 160.

Service provider server 140 may include a check-in application 142, aservice provider application 150, a database 146, and a networkinterface component 148. Check-in application 142 and service providerapplication 150 may correspond to processes, procedures, and/orapplications executable by a hardware processor, for example, a softwareprogram. In other embodiments, service provider server 140 may includeadditional or different software as required.

Check-in application 142 may correspond to processes to completecheck-in with user device 110. Thus, check-in application 142 maycorrespond to the server side application of service provider server 140configured to transmit and/or receive check-in requests from user device110 and complete the check-in requests. A check-in request may includelog-in information for a user account in database 146. Check-in may becompleted by verifying the account information. However, in embodimentswhere a user account has not been previously established by user 102and/or service provider server 140 does not offer user account services,check-in application 142 may receive other information for identifyinguser 102, such as user names/identifiers, user device identifiers, groupidentifiers, an identifier for an account with another server (e.g., apayment account/payment account identifier with payment provider server160), or other information.

Check-in information may be provided that corresponds to one or moreuser accounts of user 102 with another server, such as payment providerserver 160. In such embodiments, service provider server 140 maydetermine user information such as a user history and/or userpreferences from information received from payment provider server 160.Payment provider server 160 may provide information about previouspurchases/visits by user 102 at the same or similar locations to servicelocation 130 or may provide other information.

In various embodiments, service provider server 140 may include otherapplications 144 as may be desired in particular embodiments to providefeatures to service provider server 140. For example, other applications144 may include security applications for implementing server-sidesecurity features, programmatic server applications for interfacing withappropriate application programming interfaces (APIs) over network 170,or other types of applications. Other applications 144 may containsoftware programs, executable by a processor, including a graphical userinterface (GUI), configured to provide an interface to a user.

Service provider server 140 may include a database 146 which mayinclude, for example, identifiers such as operating system registryentries, cookies associated with check-in application 142 and/or serviceprovider application 150, identifiers associated with hardware ofservice provider server 140, or other appropriate identifiers, such asidentifiers used for payment/user/device authentication oridentification. Database 146 may include identifiers and/or useraccounts of user 102, which may comprise an identifier for users 102and/or user devices 110. In various embodiments, identifiers in database146 may be used by a payment/credit provider, such as payment providerserver 160, to associate user 102 with a particular account maintainedby payment provider server 160. For example, an identifier for a paymentaccount with payment provider server 160 may be stored with a useraccount and/or identifiers of users 102 in database 146. In otherembodiments, a user account stored in database 146 may include a sharedidentifier with the payment account with payment provider server 160.

In various embodiments, service provider server 140 includes at leastone network interface component 148 adapted to communicate with userdevices 110, service location 130, and/or payment provider server 160over network 170. In various embodiments, network interface component148 may include a DSL (e.g., Digital Subscriber Line) modem, a PSTN(Public Switched Telephone Network) modem, an Ethernet device, abroadband device, a satellite device and/or various other types of wiredand/or wireless network communication devices including microwave, radiofrequency, infrared, Bluetooth, BLE, cellular, GPS, combined cellularand GPS, microwave, near field communication devices, and/or anycombination thereof.

Payment provider server 160 may be maintained, for example, by an onlinepayment service provider, which may provide user account and paymentservices on behalf of user 102 and other users. In this regard, paymentprovider server 160 includes one or more processing applications, whichmay provide payment for items using a user account with payment providerserver 160. ⋅In one example, payment provider server 160 may be providedby PAYPAL®, Inc. of San Jose, CA, USA. However, in other embodiments,payment provider server 160 may be maintained by or include a hotel, amerchant, financial services provider, and/or other service provider,which may provide user account services to user 102. Although paymentprovider server 160 is described as separate from service providerserver 140, it is understood that payment provider server 160 mayinclude services offered by service provider server 140 and vice versa.

Payment provider server 160 of FIG. 1A may include a transactionprocessing application 162, a database of user accounts 164, and anetwork interface component 166. Transaction processing application 162may correspond to processes, procedures, and/or applications executableby a hardware processor, for example, a software program. In otherembodiments, payment provider server 160 may include additional ordifferent software or hardware modules, engines or equipment.

Transaction processing application 162 may be configured to receiveinformation from one or more user devices 110 and/or service providerserver 140 for processing and completion of financial transactions.Transaction processing application 162 may include one or moreapplications to process financial transactions between user devices 110and/or service provider server 140. Financial transactions may includefinancial information corresponding to user debit/credit cardinformation, checking account information, a user account (e.g., paymentaccount with payment provider server 160), or other payment information.Transaction processing application 162 may complete the financialtransaction for the purchase request by providing payment to serviceprovider server 140. In various embodiments, transaction processingapplication 162 may provide transaction histories, including receipts,to user device 110 in order to provide proof of purchase for an itemand/or service. Transaction processing application 162 may also providethe transaction histories to service location 130 for use inpick-up/delivery of the item and/or service.

Additionally, payment provider server 160 includes user accounts 164. Aspreviously discussed, user 102 may establish one or more user accountswith payment provider server 160. User accounts 164 may include userinformation, such as name, address, birthdate, payment/fundinginformation, travel information, additional user financial information,and/or other desired user data. Information in user account 164 may beutilized by service provider server 140 to determine and provide hotelservices, product offers, alerts, and/or service offers to user 102.

In various embodiments, payment provider server 160 may include at leastone network interface component 166 adapted to communicate with userdevice 110, service location 130, service provider device 152, and/orservice provider server 140 over network 170. In various embodiments,network interface component 166 may comprise a DSL (e.g., DigitalSubscriber Line) modem, a PSTN (Public Switched Telephone Network)modem, an Ethernet device, a broadband device, a satellite device and/orvarious other types of wired and/or wireless network communicationdevices including microwave, radio frequency (RF), infrared (IR), BLE,cellular, GPS, combined cellular and GPS, microwave, and/or near fieldcommunication devices, and/or any combination thereof.

Network 170 may be implemented as a single network or a combination ofmultiple networks. For example, in various embodiments, network 170 mayinclude the Internet or one or more intranets, landline networks,wireless networks, and/or other appropriate types of networks. Thus,network 170 may correspond to small scale communication networks, suchas a private or local area network, or a larger scale network, such as awide area network or the Internet, accessible by the various componentsof system 100.

User device 110, service location 130, service provider server 140, andpayment provider server 160 may be arranged to form one or moreinstallations of computing equipment adapted to extract information fromuser behavior data and generate inferred reviews of service providersfrom the extracted information. For example, as shown in FIG. 1B, thecomponents of system 100 may be arranged to form a data accumulationmodule 180, an extraction engine 184, a scoring engine 188, a userranking engine 192, and user interface equipment 196 as well as a userattribute engine 181 and a service provider attribute engine 185.

As shown in FIG. 1B, user behavior data 182 (e.g., user location data,user purchase history data, user email data, user social media data orother data that indicates where and when one or more users spends time,makes purchases, etc.) may be provided from a data accumulation module180 to an extraction engine 184. Data accumulation module 180 may beformed as part of a user device and/or as part of a server such as apayment provider server. For example, each user's mobile device may bearranged to accumulate user behavior data for that user or each user'smobile device may be arranged to provide user behavior data for thatuser to a remote accumulation module at a server such as a paymentprovider server. A server such as a payment provider server may includea data accumulation module that receives and accumulates processed orunprocessed user behavior data for multiple individual users andprovides the accumulated user behavior data 182 to extraction engine184.

Note that user behavior data, as used herein does not include a usersubmitting a score, ranking, review, comment, or other action where theuser is proactively providing some feedback as to a merchant. Instead,user behavior data is any data collected (e.g., from the user'sdevice(s) or from payment servers or other servers that interact withthe user's devices and/or payment cards) while the user goes about theirday-to-day activities that informs the system about thoseday-to-day-activities.

Extraction engine 184 may be collocated with data accumulation module180 or may be formed separately or remotely from module 180. Extractionengine 184 may receive the user behavior data and extract opinioninformation from the user behavior data to form inferred opinion data186 to be provided to a scoring engine such as scoring engine 188.Inferred opinion data 186 may include loyalty points and/or userpreference scores for a plurality of service providers for eachindividual user. For example, inferred opinion data 186 may includenumerical scores associated with each service provider that a uservisits based on the user behavior data for that user (e.g., a high scoremay be included for gym that the user frequently attends and a low scoremay be included for a grocery store that the user passes to attendanother grocery store). Inferred opinion data 186 may include scores foreach service provider in one or more categories.

Scoring engine 188 may generate service provider score data 190 based onthe received inferred opinion data. For example, scoring engine 188 maygenerate a numerical score for each of a plurality of service providersbased on an average or other combination of scores from individual usersof that service provider. Service provider score data 190 may includescores for each service provider in a variety of categories as describedfurther hereinafter.

Service provider score data 190 may be provided from scoring engine 188to ranking engine 192. Ranking engine may rank each service providerrelative to each other service provider in a variety of categories bycomparing the service provider scores for each service provider in eachcategory. The service provider rankings in the various categories may beprovided as service provider ranking data 194 to user interfaceequipment 196. User interface equipment 196 may organize, formalize,format, or otherwise process the service provider ranking data 194 toprovide inferred reviews 198 based on the service provider ranking data194 to users of the user interface equipment. For example, userinterface equipment 196 may provide inferred reviews 198 to a user in awebpage or application format.

As shown in FIG. 1B, a user attribute engine 181 may be provided thatgenerates user attribute data 183 for a plurality of users (e.g., toextraction engine 184). The user attribute data may include age, gender,financial, location, faith, interest, occupation, automobile, productpreference, or other information associated with each particular userand may be determined based on user provided data and/or data gatheredby the user attribute engine from one or more sources such as a userdevice, a service provider server, a payment provider server, an emailserver, and/or a social media server (as examples). In some embodiments,a service provider attribute engine 185 may also be provided thatprovides service provider attribute data 187 (e.g., to extraction engine184).

Service provider attribute data 187 may include location, product,service, event, or other information for one or more service providers(e.g., a location, a list of products available, opening hours, andsales event information for a department store) and may be generated byservice provider attribute engine based on service provider provideddata and/or data gathered by the service provider attribute engine fromone or more sources such as user devices, a service provider server, apayment provider server, an email server, a social media server, orother media source (as examples).

Extraction engine 184 may determine the inferred opinion data 186 basedon the user attribute data and/or the service provider attribute data insome embodiments. Data accumulation module 180, extraction engine 184,scoring engine 188, ranking engine 192, and user interface equipment 196as well as user attribute engine 181 and service provider attributeengine 185 may each be formed all or in part as a portion or combinationof user device 110, service provider server 140 and/or payment providerserver 160 and may communicate directly (e.g., via wired or wirelesscommunication) or over a network such as network 170.

FIG. 2 is a diagram of an exemplary webpage or application for providingreviews of service providers to a user (e.g., by user interfaceequipment 196 of FIG. 1B) based on the inferred opinions of other usersof those service providers. For example, the inferred opinions of eachother user may be extracted from location data, purchase history data,email scrape data, social media data, or other data that indicates whenand where that particular user shops, lives, works, etc. Inferredopinions of various users may be combined to form rankings in variouscategories for service providers according to various criteria.

As shown in FIG. 2 , a services recommendation webpage/application 200may provide a ranked list of service providers. In the example of FIG. 2, the ranked list is provided in a table 202 on a webpage or in anapplication. However, this is merely illustrative. Inferred reviews maybe provided to a user via any suitable electronic and/or printed mediumand may be provided in a ranked list, a scrollable list, a set of“swipable” screens each dedicated to a service provider, or any othersuitable format. In one other suitable example, an inferred review maybe provided by simply providing only the highest ranked service provider(e.g., an image, a map, a link to a website, etc. may be provided) to auser when a user searches for a service provider.

In the example of FIG. 2 , table 202 includes a set of columns 204 ofdata associated with a set of service providers where the columnscorrespond to a service provider name or identifier, and rankings invarious categories for each service provider. For example, each serviceprovider may have, as shown, an overall rank, and other ranks in variouscategories such as a distance rank, a passed competitor's rank, a repeatrank, a service time rank, a customer since rank and/or any othersuitable inferred rank. The service providers in table 202 may includeall service providers in an area around, or specified by, the user ormay include only service providers of a given type. For example, serviceproviders may be selected for display based upon a user search for atype of service provider (e.g., a user search for pizza in a search box206) or selected based upon various other selectable criteria such as an“All Users” criterion 208, a “Users Like Me” criterion 210 or an “OpenNow” criterion 212 that are each selectable on the webpage/application200 (e.g., by clicking or tapping a selection box 214).

Service providers in table 202 may be presented in order of theiroverall rank in the “overall rank” column. However, this is merelyillustrative. If desired, a user may be provided with the ability tosort the list of service providers in table 202 based on other rankings(e.g., by clicking on the column header for a particular rank). Theoverall rank for each service provider may be an average, weightedaverage, a median, or other combination of the distance rank, the passedcompetitors rank, the repeat rank, the service rank, the customerservice rank or any combination thereof

A distance rank may be determined for a service provider based on theaverage distance each user of that service provider commonly travels toreach the location of that service provider (e.g., from the user's homeor work or other location). However, the distance rank may be biased, insome scenarios, based on a lack of competitors, or the particulargeographical location and/or surrounding environment of a particularservice provider. In order to provide further insight into user'sattendance of a service provider location, a passed competitors rank maybe determined based on the number of similar service providers (e.g.,competitors) that each user commonly passes to reach that serviceprovider location. For example, if a typical (e.g., average) user passesthree coffee shops on the way to their favorite coffee shop eachmorning, the favorite coffee shop may be given a passed competitorsscore of 3 which can be ranked in comparison with the passed competitorscores of other coffee shops. Because the passed competitors rank canprovide further insight into the distance rank, in one embodiment, theoverall rank of a service provider may be determined (all or in part) byweighting a distance score with a passed competitors score to determinean overall score which can be ranked.

Other information may also be extracted from user behavior data such asthe number of times a user has returned to a service provider, theaverage time for service a user waits at a particular service provider,or a length of time that a user has been an attendee (e.g., a customeror visitor) of a particular service provider location. For example, if atypical (e.g., average) user has visited a particular dentist office 11times, that dentist office may be given a repeat score of 11 which canbe ranked in comparison with the repeat scores of other dentists. Forexample, if a typical (e.g., average) user waits 20 minutes for serviceat a particular restaurant, that restaurant may be given a service timescore of 20 or 1/20 (as examples) which can be ranked in comparison withthe service time scores of other (e.g., similar) restaurants. Forexample, if a typical (e.g., average) user has been a patient of aparticular doctor for 17 years, that doctor may be given a customersince score of 17 which can be ranked in comparison with the customersince scores of other (e.g., similar) doctors.

As noted above, the service providers in the table 202 may be allservice providers in an area (e.g., doctor's offices, parks, dentistoffices, restaurants, grocery stores, etc. may all be rank d againsteach other) or any suitable subset of service providers may be displayed(e.g., only parks or only cafes). For example, a user may user searchbox 206 to enter a specific merchant name or a type of service providersuch as “pizza” so that only pizza restaurants are displayed. In anotherexample, the displayed service providers may be selected based onuser-related criteria. For example, if an “All Users” criterion isselected, the rankings for the service providers may be determined basedon the behavior of all users of those service locations. However, a userwith a particular medical condition or a user with a particular type ofpet may not be concerned with the behavior of a general user of adoctor's office or pet store and may desire to know the inferredopinions of users with a similar condition or a similar type of pet (asexamples). The user may be provided with the ability to select a “UsersLike Me” option that computes the rankings in table 202 based on thebehaviors of similar users (e.g., users with attributes that are similarto attributes of the searching user). Similar users may be identifiedbased on personally provided information from the searching user and/orthe other users or the user attributes may also be inferred based on theusers' behavior.

For example, if one user commonly makes purchases for high end parrotfood and that user searches (e.g., using box 206) for pet stores andselects the “Users Like Me” option, the rankings in table 202 may begenerated based on the behaviors of other purchasers of high end parrotfood. In another example, if one user commonly visits a doctor for adiabetes condition and that user searches (e.g., using box 206) forpharmacies and selects the “Users Like Me” option, table 202 may includepharmacies ranked based on the behaviors of purchasers of insulin. Inanother example, user attributes may include financial or otherattributes such as insurance information and/or payment preferenceinformation for the user. For example, rankings of medical providers maybe provided for users similar to a user that has insurance and payscash, has insurance and pays with credit, does not have insurance andpays with cash, or does not have insurance and pays with credit (asexamples). In this way, a user can be quickly and efficiently guided tothe services and locations that fit their needs and desires based oninformation extracted from user data such as user behavioral data ofothers without the others, necessarily, having to provide their opinionsdirectly. However, it should be understood that user-reported opinions,reviews, scores and rankings can also be used in combination withinferred opinions in some embodiments.

FIG. 3 shows an example of two service providers 302 and 304 (labeled“SERVICE PROVIDER 1” and “SERVICE PROVIDER 2” in FIG. 3 ) located atrespective distances D1 and D2 from a user location such as a user'shome 300. For example, the service providers 302 and 304 may be twodifferent farmer's markets that are held on the same day at the sametime. A system such as system 100 (see FIGS. 1A and 1B) may determinebased on, for example, GPS data from the user's mobile phone and/orpurchase transactions with a payment provider, that the user drives pastthe first service provider 302 every Sunday morning to purchase produceand/or other goods and/or services at the second service provider 304located at a distance D2 that is greater than the distance D1 to thefirst service provider 302. Service provider 304 may therefore have agreater distance score, a greater passed competitors score, and agreater repeat customer score than service provider 302 from that user.For example, the values of D1 and D2 and/or a ratio or difference of D2and D1 may be used to weight and/or average an overall score and rankingfor service provider 304. The scores from that user may be combined withthe scores of other users to determine total scores and/or rankings forthe service providers.

In some embodiments, service provider information such as serviceprovider attributes may also contribute to a service provider's scoreand/or rank. For example, if the user previously attended the serviceprovider 302 farmer's market, but one year ago switched to serviceprovider 304 farmer's market and has not returned, the overall rank ofservice provider 304 may be boosted (e.g., increased) based on theinferred information that the user chose that service provider overanother known competitor and was convinced to stay. The system maydetect the behavior change (e.g., when the change happens orretroactively) and may determine whether service provider attribute dataindicates a change was made at service provider 302 or 304 (e.g.,service provider 304 was newly opened, was remodeled, changed a pricingstructure, added a new product or service, etc.).

This type of customer behavior change information may, alone or incombination with the determined service provider attribute data, may beprovided to other users (e.g., for rankings) and/or to the serviceproviders themselves. In this way, a service provider such as serviceprovider 302 may learn that a competitor such as service provider 304has made a successful move to steal a loyal customer (for example).

In another scenario, it may be determined that the user temporarilyswitched to service provider 304 (e.g., when service provider 304 newlyopened, remodeled or offered a discount or incentive) and then returnedto shopping/attending service provider 302. In this example, serviceprovider 304 may be ranked without providing an enhanced weight orpassed competitors boost because the behavior of the user was notsustained.

Illustrative operations that may be performed for generating inferredreviews from user behavior data are shown in FIG. 4 .

At step 400, user location data for one or more users may be gathered.For example, a service provider server, a payment provider server, orother server may gather GPS data from a user's mobile phone, maydetermine locations of purchases in a user purchase history, may scrapelocation data from a user's emails and/or social media accounts (e.g.,an email or social media post about having coffee at a particular cafe),or other sources of location information for a user (e.g., check-ininformation from a beacon at the location).

At step 402, user purchase history data for one or more users may begathered. The purchase history data may be gathered from purchasetransactions via one or more payment providers and/or email or otherreceipts received by the user.

At step 404, service provider attribute data such as service providerdata for one or more service providers may be gathered. Service providerdata may be gathered from the service provider itself or other sources(e.g., media, email, social media, or other sources). The serviceprovider data may include a location of the service provider, the nameof the service provider, contact information of the service provider,product and/or service information, or any other information regardingthe service provider.

At step 406, additional service provider attribute data such as serviceprovider event data for one or more service providers may be gathered.Service provider event data may be gathered from the service provideritself or other sources (e.g., media, email, social media, or othersources). The service provider event data may include opening dateinformation, opening hours information, promotion information (e.g.,offered discounts or incentives) or any other information regarding theservice provider.

At step 408, user attribute data such as user event data for one or moreusers may be gathered. User event data may be gathered from a userdevice of the user or other sources (e.g., media, email, social media,or other sources). The user event data may include informationassociated with events in a user's life such as a marriage or divorce,the birth of a child, a birthday, a new job, or any other informationregarding user-related events that may influence decisions the usermakes regarding service providers. For example, if it is determined thata male user has become engaged to be married, when the male usersearches for clothing stores, the male user may desire inferred reviewsof clothing stores based on user behavior data of other engaged maleusers. In another example, if a user loses a job and stops shopping at aparticular store, the user event data indicating the loss of a job maybe used to prevent a negative effect on the inferred reviews of thatstore due to the user's reduced shopping (e.g., due to an externalinfluence, the loss of the job, rather than dissatisfaction with thestore). Additional user attribute data may also be gathered such as userpreferences, spending habits, financial status, credit ratings, homeownership, age, gender, or the like.

At step 410, service provider rankings for each of the one or moreservice providers may be determined based on the gathered data. Theservice provider rankings may be determined by extracting inferredopinion information from the user data and/or the service provider dataas described in the examples above. For example, service providerrankings according to various categories such as the categories of thecolumns 204 of table 202 of FIG. 2 may be determined based on thedistance user's travel, the number of competitors users pass, the numberof repeat visits users make, the length of time users typically wait forservices, the length of time users have remained customers or othernumerical and/or statistical information extracted from the gathereddata.

Determining service provider rankings may include determining a totaldistance traveled to one or more service providers, determining one ormore intervening service providers (e.g., competitors located betweenthe user and a particular service provider) for one or more serviceproviders, determining a length of time since a first user visit to oneor more service providers, determining a repeat visit frequency for oneor more service providers, determining a length of time for services forone or more service providers, determining user attributes, determiningservice provider attributes for one or more service providers, anddetermining service provider scores and/or service provider rankings forone or more service providers based on the total distance traveled, theintervening service providers, the length of time since first uservisit, the repeat visit frequency, the length of time for services, theuser attributes, and/or the service provider attributes associated withone or more users for each of the one or more service providers. Theservice provider rankings may be determined based on the data for allusers for which data was gathered or only a subset of the users.

At step 412, the service provider rankings may be provided to additionalusers (e.g., using user interface equipment). The additional users maybe users that access a particular website or application on theircomputing device to search for service provider rankings. As describedabove in connection with FIG. 2 , the service provider rankings may beprovided in a tabular or other format and may be provided for allservice providers, a subset of service providers, based on all users, orbased on a subset of users for which data has been gathered.

For example, illustrative operations for providing service providerrankings based on data from a subset of users are shown in FIG. 5 .

At step 500, service provider rankings may be provided to a user. Forexample, a ranked display of service providers with rankings determinedbased on the behaviors of all users of the service providers may beprovided (e.g., in a tabular format as in FIG. 2 or in another format)in an application or one a webpage when the user accesses theapplication or webpage.

At step 502, a request to provide service provider rankings based onuser attributes may be received. Receiving the request to provide theservice provider rankings based on user attributes may be received bydetecting, for example, a user checking a “Users Like Me” selection boxin the application or webpage.

At step 504, the user attributes may be obtained. Obtaining the userattributes may include accessing stored and previously determinedattributes for the user from system hardware memory, receiving userattributes from the user, and/or determining the user attributes basedon user location data, user purchase history data, user email data,and/or user social media data. The user attributes may include userproduct preferences, user service preferences, user economic informationsuch as income and/or spending levels, user medical information, usergender, marital status, age, education or generally any otherinformation regarding the user.

At step 506, modified service provider rankings may be provided to theuser based on the user attributes. For example, rankings for one or moreservice providers may be recalculated and provided based on only datarepresenting the behavior of users with the same or similar attributes.For example, a 54 year only woman with an income of 200,000 dollars peryear who is married may be provided with automobile dealershipinformation generated based on the inferred opinions of automobiledealerships of other married women between the ages of 50 and 60 years,with incomes over 150,000 dollars and may be provided.

FIG. 6 is a block diagram of a computer system suitable for implementingone or more components in FIG. 1A, according to an embodiment. Invarious embodiments, the user device may comprise a personal computingdevice (e.g., smart phone, a computing tablet, a personal computer,laptop, PDA, Bluetooth device, key FOB, badge, etc.) capable ofcommunicating with the network. A service provider and/or paymentprovider may utilize a network computing device (e.g., a network server)capable of communicating with the network. It should be appreciated thateach of the devices utilized by users and service providers may beimplemented as computer system 600 in a manner as follows.

Computer system 600 includes a bus 602 or other communication mechanismfor communicating information data, signals, and information betweenvarious components of computer system 600. Components include aninput/output (I/0) component 604 that processes a user action, such asselecting keys from a keypad/keyboard, selecting one or more buttons,image, or links, and/or moving one or more images, etc., and sends acorresponding signal to bus 602. I/0 component 604 may also include anoutput component, such as a display 611 and a cursor control 613 (suchas a keyboard, keypad, mouse, etc.). An optional audio input/outputcomponent 605 may also be included to allow a user to use voice forinputting information by converting audio signals. Audio I/0 component605 may allow the user to hear audio. A transceiver or network interface606 transmits and receives signals between computer system 600 and otherdevices, such as another user device, a merchant device, or a serviceprovider server via network 170. In one embodiment, the transmission iswireless, although other transmission mediums and methods may also besuitable. One or more processors 612, which can be a micro-controller,digital signal processor (DSP), or other processing component, processesthese various signals, such as for display on computer system 600 ortransmission to other devices via a communication link 618. Processor(s)612 may also control transmission of information, such as cookies or IPaddresses, to other devices.

Components of computer system 600 also include a system memory component614 (e.g., RAM), a static storage component 616 (e.g., ROM), and/or adisk drive 617. Computer system 600 performs specific operations byprocessor(s) 612 and other components by executing one or more sequencesof instructions contained in system memory component 614. Logic may beencoded in a computer readable medium, which may refer to any mediumthat participates in providing instructions to processor(s) 612 forexecution. Such a medium may take many forms, including but not limitedto, non-volatile media, volatile media, and transmission media. Invarious embodiments, non-volatile media includes optical or magneticdisks, volatile media includes dynamic memory, such as system memorycomponent 614, and transmission media includes coaxial cables, copperwire, and fiber optics, including wires that comprise bus 602. In oneembodiment, the logic is encoded in non-transitory computer readablemedium. A non-transitory computer-readable medium may includeinstructions which, in response to execution by a computer system, causethe computer system to perform some or all of one or more methods asdescribed herein. In one example, transmission media may take the formof acoustic or light waves, such as those generated during radio wave,optical, and infrared data communications.

Some common forms of computer readable media include, for example,floppy disk, flexible disk, hard disk, magnetic tape, any other magneticmedium, CD-ROM, any other optical medium, punch cards, paper tape, anyother physical medium with patterns of holes, RAM, PROM, EEPROM,FLASH-EEPROM, any other memory chip or cartridge, or any other mediumfrom which a computer is adapted to read.

In various embodiments of the present disclosure, execution ofinstruction sequences to practice the present disclosure may beperformed by computer system 600. In various other embodiments of thepresent disclosure, a plurality of computer systems 600 coupled bycommunication link 618 to the network (e.g., such as a LAN, WLAN, PTSN,and/or various other wired or wireless networks, includingtelecommunications, mobile, and cellular phone networks) may performinstruction sequences to practice the present disclosure in coordinationwith one another.

Where applicable, various embodiments provided by the present disclosuremay be implemented using hardware, software, or combinations of hardwareand software. Also, where applicable, the various hardware componentsand/or software components set forth herein may be combined intocomposite components comprising software, hardware, and/or both withoutdeparting from the spirit of the present disclosure. Where applicable,the various hardware components and/or software components set forthherein may be separated into sub-components comprising software,hardware, or both without departing from the scope of the presentdisclosure. In addition, where applicable, it is contemplated thatsoftware components may be implemented as hardware components andvice-versa.

Software, in accordance with the present disclosure, such as programcode and/or data, may be stored on one or more computer readablemediums. It is also contemplated that software identified herein may beimplemented using one or more general purpose or specific purposecomputers and/or computer systems, networked and/or otherwise. Whereapplicable, the ordering of various steps described herein may bechanged, combined into composite steps, and/or separated into sub-stepsto provide features described herein.

The foregoing disclosure is not intended to limit the present disclosureto the precise forms or particular fields of use disclosed. As such, itis contemplated that various alternate embodiments and/or modificationsto the present disclosure, whether explicitly described or impliedherein, are possible in light of the disclosure. Having thus describedembodiments of the present disclosure, persons of ordinary skill in theart will recognize that changes may be made in form and detail withoutdeparting from the scope of the present disclosure. Thus, the presentdisclosure is limited only by the claims.

What is claimed is:
 1. One or more non-transitory computer-readablemedia with computer-readable instructions, that when executed by acomputerized system, cause the computing system to perform operationscomprising: retrieving user behavior data for a user, the user behaviordata comprising location data for a user device associated with theuser, wherein the location data is determined using beacon equipmentwithin the user device communicating via a wireless communicationsignal; generating an inferred user review as a new review by the userfor a service provider based on the location data determined using thebeacon equipment, wherein the location data identifies a number ofvisits the user has previously made to the service provider, and whereinthe inferred user review is generated at least in part based on thenumber of visits the user has made to the service provider; and ranking,using the inferred user review, the service provider among other serviceproviders within a category corresponding to repeat number of visits byusers.
 2. The media of claim 1, further configured to provide theinferred user review to a device associated with an additional user. 3.The media of claim 1, wherein generating the inferred user review isfurther based on the user behavior data by determining a period of timesince the user's first visit to the service provider.
 4. The media ofclaim 1, wherein generating the inferred user review is further based onthe user behavior data by determining a length of time that the user isat a location of the service provider during a visit to the serviceprovider.
 5. The media of claim 1, wherein the service provider providesone or more of a service, a product, and an accommodation.
 6. The mediaof claim 1, wherein the user behavior data comprises location data for aplurality of additional user devices each associated with an additionaluser of the users, and wherein the inferred user review for the serviceprovider is further generated by determining a number of visits eachadditional user associated with the plurality of additional user deviceshas previously made to the service provider.
 7. The media of claim 1,further comprising generating additional inferred user reviews for aplurality of additional service providers.
 8. The media of claim 1,wherein the location data indicates at least a second location that isdetermined using one or more short range wireless communications betweena beacon associated with the service provider and an applicationoperating in the background of an operating system of the user device.9. A computer-implemented method, comprising: retrieving, at a server,user behavior data for a user, the user behavior data comprisinglocation data for a user device associated with the user, wherein thelocation data indicates at least one location determined at least byreceiving, at beacon equipment within the user device, a wirelesscommunication signal; generating, with the server, an inferred userreview by the user for a service provider based on the user behaviordata, wherein the location data determined by the beacon equipment isused to determine a number of visits the user has made to the serviceprovider, and wherein the inferred user review is generated at least inpart based on the number of visits the user has made to the serviceprovider; and ranking, using the inferred user review, the serviceprovider among other service providers within a category correspondingto repeat number of visits by users.
 10. The computer-implemented methodof claim 9, wherein the inferred user review is generated further bydetermining a number of competitors of the service provider that theuser passes when traveling to reach a location of the service provider.11. The computer-implemented method of claim 9, wherein the serviceprovider provides one or more of a service, a product, and anaccommodation.
 12. The computer-implemented method of claim 9, whereinretrieving the user behavior data for the user comprises scraping one ormore applications on the user device for information indicating at leasta second location.
 13. The computer-implemented method of claim 9,further comprising generating inferred user reviews for the otherservice providers.
 14. The computer-implemented method of claim 13,wherein determining a ranking of the service provider relative to theother service providers is based on a score for the service providerdetermined at least from the number of visits the user has made to theservice provider and a score for each other service provider determinedat least from a number of visits the users have made, and wherein thecomputer-implemented method further comprises receiving an electronicsearch query from a second user device and providing the ranking fordisplay on the second user device in response to the electronic searchquery.
 15. A computerized system comprising: at least one computerprocessor; and one or more non-transitory computer-readable media withcomputer-readable instructions stored thereon that, when executed by theat least one processor, cause the at least one processor to: retrieveuser behavior data for a user, the user behavior data comprisinglocation data for a user device associated with the user, wherein thelocation data is determined using beacon equipment within the userdevice communicating via a wireless communication signal; generate aninferred user review as a new review for a service provider based on thelocation data determined using the beacon equipment, wherein thelocation data used to generate the inferred user review identifies anumber of visits the user has made to the service provider, and whereinthe inferred user review is generated at least in part the number ofvisits the user has made to the service provider; and rank, using theinferred user review, the service provider among other service providerswithin a category corresponding to repeat number of visits by users. 16.The computerized system of claim 15, wherein the at least one processoris further caused to receive user behavior data from a payment providerserver.
 17. The computerized system of claim 15, wherein the serviceprovider provides one or more of a service, a product, and anaccommodation.
 18. The computerized system of claim 15, wherein the atleast one processor is further caused to: generate inferred user reviewsfor the service providers.
 19. The computerized system of claim 15,wherein the inferred user review is generated further based on the userbehavior data by determining a period of time since the user's firstvisit to the service provider.